Traditional Life Insurance

The balance sheets of most ultra-affluent families are comprised of complex assets with varying levels of liquidity. Additionally, most wealth accumulation and wealth transfer strategies require time to mature. As a result, market volatility and changing financial circumstances can have a material impact on wealth creation and preservation.

Traditional life insurance product portfolios can produce attractive, income-tax-free internal rates of return and provide immediate liquidity to the policy owner at the death of the insured(s). A well-constructed life insurance portfolio can help reduce the volatility of a family’s net worth while providing an important liquidity hedge for wealth transfer strategies that take time to mature, and help to prevent the forced sale of assets that might otherwise be required to fund estate tax liabilities at the death of an insured.

Traditional Life Insurance Objectives

Create liquidity at the time estate taxes are due to avoid the forced sale of assets

Hedge other estate planning strategies that require time to be fully realized

Fund specific inheritances to heirs or charitable bequests

Establish a guaranteed, fixed- income investment within a family’s intergenerational asset allocation

Provide wealth protection and preservation for current and future generations

Private Placement Investment Accounts

Benson Blackburn is widely recognized as one of the industry leaders in the structuring and administration of Private Placement Variable Annuity (PPVA) and Private Placement Variable Universal Life (PPVUL) Investment Accounts. Through our Membership with M Financial and other national partnerships, we administer some of the largest Private Placement Investment Account portfolios in the industry, spanning a broad spectrum of life insurance companies.

PPVA Investment Accounts are utilized to defer taxes on alternative asset class investments and to establish charitable legacies in a tax-efficient manner, while remaining in control of the assets. PPVUL Investment Accounts are utilized to eliminate taxes on alternative asset class investments, and to optimize the after-tax performance of Dynasty Trust assets.

PPVA Investment Account Objectives

Compound deferral of current-period income tax

Maximize charitable legacy planning

Streamline pre-immigration planning

Modernize Inefficient retail Variable annuity portfolios

PPVUL Investment Account Objectives

Eliminate and defer current-period income tax

Create tax efficiencies for Dynasty Trust investment holdings

Enhance intergenerational Wealth transfer planning

Enhancing Your Corporate Benefits Package

A well-constructed corporate benefit package can help attract, retain, reward, and protect key employees throughout their employment lifecycle – making it a key component of your company or organization’s success. However, rising health care expenses can make providing a robust package challenging, especially for small and mid-sized employers. Now you can use the same strategies as the largest employers by creating your own health plan, and we can help.

Our Vision For Your Success

1.) Provide comprehensive benefits without sacrificing benefits or quality

2.) Stabilize monthly costs, with year-end refunds possible

3.) Reduce employer health care costs by 20% to 40%

How We Strive To Accomplish Your Objectives

Support both executive and group level benefits with our no cost, proprietary industry-leading technology platform

Streamline your benefits administration

Improve utilization, bending the cost curve

Independent approach offers more robust benefits with more unique carrier selections at discounted rates

Simplify enrollment processes to reduce HR time while helping employees select the best plans, customized to their needs

Integrate full administration, compliance, and COBRA support

Infuse transparency into benefit options and flexibility through customized reporting systems

Client Service & Reporting


We have a disciplined approach
to using technology.

Large life insurance portfolios require a level of ongoing attention that experienced professional advisors appreciate. When a portfolio is broadly diversified among a variety of life insurance companies with premiums due at different times, it becomes critically important to have a process to verify that all premiums are paid in a timely fashion. Benson Blackburn’s Accountability Platform is designed to do just that.

Benson Blackburn has also developed numerous other administrative processes that can be tailored to meet a client’s particular needs, including customized reporting, premium invoicing, Crummey notices, inforce illustrations, scheduled task management, and budget-to-actual tracking and reporting for the insurance policies and any accompanying funding vehicles. Our disciplined approach to using technology to capture policy data enables us to routinely review client portfolios, assure proper performance, and quickly identify opportunities for clients to benefit from newly developed ideas and products.